Tired of paying high interest rates and fees on your credit cards? Switch to an Ardent Visa® and leave all of that behind. Our cards have a fixed low interest rate, no balance transfer fee and no annual fee. Plus, with four cards to choose from you can pick the one that works best for you.

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Best for member wanting to... earn points for purchases to use for merchandise and travel earn cash back for purchases and other perks carry a no frills card that is great for consolidating high-interest balances from elsewhere start building a credit history with a card secured by an interest-bearing Ardent Free Basic Checking account
Fixed APR1 for purchases as low as 10.96% as low as 10.88% as low as 9.99% 17.90%
Introductory Balance Transfer APR2 1.99%
(first 12 billing cycles)
(first 12 billing cycles)
(first 12 billing cycles)
Balance transfer fee None None None None
Cash Advance as low as 10.96% as low as 10.88% as low as 9.99% 17.90%
Rewards 1 point for every dollar spent 1% cash back for every dollar spent None None
Annual fee None None None $25
Other Features3 Free Auto Rental Collision Damage Waiver
Grace period for repayment of the balance for purchases 25 days 25 days 25 days 25 days
Minimum finance charge None None None None
Transaction fee for cash advances None None None None
Over-the-credit-limit fee None None None None
Late-payment fee up to $20
(after 15 days)
up to $20
(after 15 days)
up to $20
(after 15 days)
up to $20
(after 15 days)
Foreign Transaction Fee 1.00% 1.00% 1.00% 1.00%

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  • Save money by transferring your higher credit card balances to an Ardent Visa® with a lower rate
  • No fees to transfer your balance

Learn More about Visa® Transfer

  • Reward yourself with great merchandise and travel rewards each time you swipe your Ardent Visa Debit or Visa Gold Credit Cards.

Learn More about Visa® ScoreCard Rewards

  • Turn your cards on and off
  • Receive instant transaction notification
  • Set transaction spending limits 

Learn More about SecurLOCKTM

  • Use anywhere Visa® is accepted
  • Purchase in amounts from $20 to $500

Learn More about Visa® Gift Cards

1APR = Annual Percentage Rate
2Introductory APR applies to balance transfers and purchases the first 12 billing cycles with your credit card. After the introductory period, the fixed APR will apply to all purchase and balance transfers.
3See card benefit guide for more details